John KirwanJohn Kirwan is a business consultant with the SPS network (www.talktosps.com), which helps small businesses develop successful strategies for growth. Previously, John spent over 20 years at Lloyds TSB, where he was a director within the business bankng division, specialising in strategy development, operations and change management. John speaks regularly in the UK and overseas on leadership, self-development and personal effectiveness. Read More Read Less